Volkswagen Jetta Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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How much is insurance for a Volkswagen Jetta? The average cost to insure a Volkswagen Jetta is $117 per month or $1,414 annually. Many factors impact your Volkswagen insurance rates. For example, the age of your Jetta model can cause your premiums to increase or decrease. The 2011 Volkswagen Jetta insurance rates will be lower than the 2016 Volkswagen Jetta insurance costs.

Your individual demographics will also impact the car insurance rates you receive for your Volkswagen Jetta. Experienced drivers with clean driving records usually secure the cheapest average insurance rates. 

Whether your VW Jetta is old or new, read through our comprehensive guide to learn how to secure cheap car insurance rates for your Volkswagen. No matter your age or driving record, qualifying for discounts and comparison shopping can help every driver save money on insurance premiums. 

To start comparison shopping for Volkswagen insurance rates, enter your ZIP code in our free tool to get affordable Volkswagen quotes.

U.S. average insurance rates for a Volkswagen Jetta are $1,364 a year including full coverage. Comprehensive costs an estimated $274, collision costs $502, and liability coverage costs around $430. Liability-only coverage costs as low as $486 a year, with high-risk coverage costing around $2,956. Teen drivers pay the highest rates at $5,156 a year or more.

Average premium for full coverage: $1,364

Price estimates broken down by individual coverage:

Comprehensive $274
Collision $502
Liability $430

Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different Jetta trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Volkswagen Jetta insurance prices go from as low as $486 for basic liability insurance to a much higher rate of $2,956 for a high-risk driver policy.

Liability Only $486
Full Coverage $1,364
High Risk $2,956

Geographic Price Range

Where you live has a large influence on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than larger metro areas.

The price range example below illustrates how where you live affects insurance prices.

Rural Areas $1,023
Small Cities $1,432
Large Cities $1,841

The ranges above highlight why anyone shopping for car insurance should compare prices for a targeted area and risk profile, rather than using price averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rate Comparisons

The chart below breaks down estimated Volkswagen Jetta insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $788
  • Using higher $1,000 deductibles will save approximately $176 every year
  • The average rate for the average middle-age driver who has $500 deductibles is $1,364
  • Choosing more expensive low deductibles for physical damage coverage will increase the cost to $1,706
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,956 or more
  • The price for full coverage for a teenage driver with full coverage can cost as much as $5,156 or more

View Chart as Image

Volkswagen Jetta insurance cost comparison chart
Column chart showing full coverage Volkswagen Jetta insurance rates range from $788 to $5,156

Auto insurance prices for a Volkswagen Jetta are also quite variable based on your driving record, the model of your Jetta, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay at least $5,100 a year. View Rates by Age

The state you live in has a huge impact on Volkswagen Jetta insurance rates. A driver around age 40 might see prices as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,950 on average in Louisiana, New York, and Michigan.

Volkswagen Jetta Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,234 -$130 -9.5%
Alaska $1,046 -$318 -23.3%
Arizona $1,132 -$232 -17.0%
Arkansas $1,364 -$0 0.0%
California $1,554 $190 13.9%
Colorado $1,304 -$60 -4.4%
Connecticut $1,404 $40 2.9%
Delaware $1,544 $180 13.2%
Florida $1,706 $342 25.1%
Georgia $1,260 -$104 -7.6%
Hawaii $978 -$386 -28.3%
Idaho $922 -$442 -32.4%
Illinois $1,016 -$348 -25.5%
Indiana $1,026 -$338 -24.8%
Iowa $920 -$444 -32.6%
Kansas $1,296 -$68 -5.0%
Kentucky $1,860 $496 36.4%
Louisiana $2,018 $654 47.9%
Maine $842 -$522 -38.3%
Maryland $1,124 -$240 -17.6%
Massachusetts $1,092 -$272 -19.9%
Michigan $2,370 $1,006 73.8%
Minnesota $1,142 -$222 -16.3%
Mississippi $1,632 $268 19.6%
Missouri $1,212 -$152 -11.1%
Montana $1,466 $102 7.5%
Nebraska $1,076 -$288 -21.1%
Nevada $1,634 $270 19.8%
New Hampshire $984 -$380 -27.9%
New Jersey $1,524 $160 11.7%
New Mexico $1,206 -$158 -11.6%
New York $1,436 $72 5.3%
North Carolina $786 -$578 -42.4%
North Dakota $1,116 -$248 -18.2%
Ohio $942 -$422 -30.9%
Oklahoma $1,400 $36 2.6%
Oregon $1,250 -$114 -8.4%
Pennsylvania $1,302 -$62 -4.5%
Rhode Island $1,820 $456 33.4%
South Carolina $1,234 -$130 -9.5%
South Dakota $1,152 -$212 -15.5%
Tennessee $1,196 -$168 -12.3%
Texas $1,644 $280 20.5%
Utah $1,010 -$354 -26.0%
Vermont $934 -$430 -31.5%
Virginia $816 -$548 -40.2%
Washington $1,056 -$308 -22.6%
West Virginia $1,250 -$114 -8.4%
Wisconsin $946 -$418 -30.6%
Wyoming $1,214 -$150 -11.0%

View Chart as Image

Volkswagen Jetta insurance rates by U.S. city

Choosing high deductibles could cut prices by as much as $520 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $327 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance can be around 43% to 131% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices and see how they stack up. Each insurance company uses a different rate calculation, and quoted prices may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

Volkswagen Jetta Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Volkswagen Jetta S 4-Dr Sedan $1,246 $104
Volkswagen Jetta LE 4-Dr Sedan $1,324 $110
Volkswagen Jetta S 2.5 Station Wagon $1,208 $101
Volkswagen Jetta SE 4-Dr Sedan $1,364 $114
Volkswagen Jetta 2.0T 4-Dr Sedan $1,404 $117
Volkswagen Jetta SE 2.5 Station Wagon $1,288 $107
Volkswagen Jetta SEL 4-Dr Sedan $1,404 $117
Volkswagen Jetta 2.0T Station Wagon $1,328 $111

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Volkswagen Jetta Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Volkswagen Jetta $274 $502 $430 $1,364
2019 Volkswagen Jetta $260 $484 $442 $1,344
2018 Volkswagen Jetta $250 $450 $452 $1,310
2017 Volkswagen Jetta $240 $424 $456 $1,278
2016 Volkswagen Jetta $230 $380 $460 $1,228
2015 Volkswagen Jetta $214 $350 $460 $1,182
2014 Volkswagen Jetta $206 $328 $464 $1,156
2013 Volkswagen Jetta $202 $306 $474 $1,140
2012 Volkswagen Jetta $186 $284 $474 $1,102
2011 Volkswagen Jetta $182 $258 $478 $1,076
2010 Volkswagen Jetta $170 $236 $474 $1,038
2009 Volkswagen Jetta $160 $214 $474 $1,006
2008 Volkswagen Jetta $154 $192 $468 $972
2007 Volkswagen Jetta $152 $188 $460 $958
2006 Volkswagen Jetta $150 $178 $452 $938
2004 Volkswagen Jetta $132 $162 $442 $894

Rates are averaged for all Volkswagen Jetta models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Best Cheap Volkswagen Jetta Insurance

Getting lower rates on auto insurance requires being a low-risk driver, having good credit, being claim-free, and qualifying for all possible discounts. Take the time to comparison shop every time your policy renews by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The items below are a quick review of the information touched on in the above illustrations.

  • You may be able to save approximately $160 per year simply by shopping early and online
  • Teen drivers are the costliest to insure, possibly costing $430 a month if they have full coverage
  • Increasing physical damage deductibles can save around $525 each year
  • Drivers with a DUI or reckless driving violation may pay on average $1,590 more annually to insure their Jetta
  • Consumers who want more liability coverage will pay about $470 per year to increase from a low limit to 250/500 limits

Shopping around for VW Jetta insurance rates is the best way to find a cheap Volkswagen Jetta insurance cost at a VW Jetta insurance group. Whether you want to know how much is a Volkswagen Jetta S or how much does a 2017 Volkswagen Jetta cost to insure, getting quotes will make sure you get the best price possible.

So how much does a VW Jetta cost to insure based on your driving record and insurance needs? Enter your ZIP code in our free quote tool below to get started on finding the best Volkswagen Jetta rates.

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What are the safety ratings for the Volkswagen Jetta?

The Volkswagen Jetta safety ratings and features can have a major impact on your insurance rates. The Volkswagen Jetta’s safety features include a complete airbag system, brake assist, traction control, blind-spot monitor, cross-traffic alert, and more. 

Keep in mind that an old Jetta car may not be equipped with cameras. Therefore, higher-tech versions of this car, like the 2015 VW Jetta costs for insurance, may be lower than older 2007 models that are not as technologically advanced.

Check out the safety ratings for the 2020 Volkswagen Jetta below. 

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

A rating of ‘Good’ is the highest possible score given by the Insurance Institute for Highway Safety.

While some of the safety ratings are fantastic and definitely help make the Jetta cheaper to insure, unfortunately, the headlights for the 2020 model received ratings of only marginal and poor, depending on the trim. 

We recommend you make sure to check the safety ratings for your specific year and model of VW Jetta. A Volkswagen Jetta that is older, like the 2008 Jetta safety ratings, might be slightly different than the safety ratings for a Jetta CSL.

Remember that worse safety ratings will likely lead to higher car insurance rates. 

Volkswagen Jetta Compared Against other Vehicles in the Same Class

Comparing the Volkswagen Jetta to similar vehicles can help you save money, especially if the Volkswagen Jetta has a better loss ratio than other vehicles in its class.

Officially, the Insurance Institute for Highway Safety classifies the Volkswagen Jetta as a midsize sedan.

Check out other comparable midsize sedans below.

Unfortunately, the VW Jetta has poor liability insurance losses in comparison to other midsize cars, which does mean higher average insurance premiums. 

The Jetta has worse than average property damage and personal injury loss ratios at 26 percent and 24 percent respectively. It also received substantially worse than average medical payment and bodily injury loss ratios at 33 percent and 41 percent respectively. 

The maintenance costs on a Jetta are also often pricier than average, which will impact your insurance rates. For example, the VW Jetta TDI cost to own is around $100 higher annually than average compared to other sedans. 

Despite a few negatives, you now know why a Jetta is cheap to insure. Not only does this classic VW sedan have great safety ratings but it also has additional safety features that can be included to make for a better driving experience.

The lower premiums make it a good option for new drivers. The average insurance price for 16-year-old drivers is often much higher than average, but a safe and reliable car like the Jetta can help mitigate those increases. Consider finding a Volkswagen Jetta that is older for your teen driver. 

Ready to find out how much is a Volkswagen Jetta to insure in your area? Whether you are shopping for a Volkswagen Jetta 2014 model or a 2020 model, enter your ZIP code in our free tool to find the cheapest rates.

Rates by Driver Age

Volkswagen Jetta Insurance Rates by Driver Age
Driver Age Premium
16 $5,156
20 $3,154
30 $1,418
40 $1,364
50 $1,248
60 $1,224

Full coverage, $500 deductibles

Rates by Deductible

Volkswagen Jetta Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,706
$250 $1,548
$500 $1,364
$1,000 $1,188

Full coverage, driver age 40

Rates by Liability Limit

Volkswagen Jetta Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,364
50/100 $1,401
100/300 $1,492
250/500 $1,728
100 CSL $1,437
300 CSL $1,637
500 CSL $1,783

Full coverage, driver age 40

Rates for High Risk Drivers

Volkswagen Jetta Insurance Rates for High Risk Drivers
Age Premium
16 $7,344
20 $5,024
30 $3,016
40 $2,956
50 $2,824
60 $2,798

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $191

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $99
5-yr Claim Free $88
Paid in Full/EFT $61
Advance Quote $67
Online Quote $96
Total Discounts $576
Rate after discounts $788

Discounts are estimated and may not be available from every company or in every state.

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